HB 2283 Washington House · 2025-2026 Regular Session

Establishing a medical loss ratio of at least 90 percent for health plans.

This bill requires health insurance carriers in Washington to spend at least 90% of premium revenue on medical care (not administrative costs) for plans issued or renewed on or after January 1, 2028. It directly affects health insurance companies operating in the state, mandating they adjust their spending to meet this ratio. Carriers must also submit detailed reports to the state commissioner about how they calculate this ratio, including payments to affiliated providers and incentive programs. The requirement aligns with federal standards and does not change existing rate review processes.

Issues: ✓ Healthcare

Bill status in committee 1 of 4 stages cleared

Introduction

Jan 2026

Committee Review

Floor Vote

Governor

Introduced Jan 7, 2026 Last action Feb 19, 2026

Maddy AI version diff · 1 comparison

What changed between versions

Bill → Substitute Bill · 3 edits

MINOR

The bill was amended to move the medical loss ratio requirement from 2027 to 2028 and added new rules requiring insurance carriers to submit detailed data on payments to providers and incentive activities as part of their rate filings. These changes delay the effective date of the mandate and expand the commissioner's ability to gather specific financial information to ensure compliance.

Scope change

The bill's applicability timeline was extended by one year, shifting the effective date for the 90 percent medical loss ratio requirement from January 1, 2027, to January 1, 2028.

TIMELINE

The effective date for the 90 percent medical loss ratio requirement was delayed from January 1, 2027, to January 1, 2028.

REQUIREMENT

New requirements mandate that carriers submit detailed information regarding payments to providers, bundled payments, and quality incentive activities as part of their annual rate filings.

ENFORCEMENT

The commissioner is now explicitly authorized to require carriers to provide specific data on medical loss ratio calculations to support rate review authority.

Floor votes

How they voted

No floor votes recorded yet.

Full legislative history

Actions timeline

Total actions

Key actions

Committee

Feb 3, 2026

Committee

Referred to Rules 2 Review.

lower

Jan 30, 2026

Lower · Passed

Minority; without recommendation.

lower

Jan 30, 2026

Lower · Passed

Minority; do not pass.

lower

Jan 30, 2026

Lower · Passed

Executive action taken in the House Committee on Health Care & Wellness at 8:00 AM.

lower

Jan 21, 2026

Lower · Passed

Public hearing in the House Committee on Health Care & Wellness at 1:30 PM.

lower

1 primary · 3 co-sponsors